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What you need to know.
Your claims should be made within six months from the diagnosis date of the dread disease.
It usually takes 14 working days to process your claim once all documents are received. For claims which require further clarification, we will need more time to process your claim. For such cases, we will keep you informed.
Caregivers looking to claim on behalf of a policyholder can find out more about the process through the infographic below.
Prepare the required documents and complete the claim form
For Dependants' Protection Scheme, if date of Terminal Illness (TI) is before 01 Apr 2021, please submit your claim to us directly. If date of TI is on/after 01 Apr 2021 or if you do not know the date of TI, please submit your claim to Great Eastern Life. You can refer to the FAQs for more information.
- Attending Medical Practitioner's Statement, to be completed by the claimant and the attending doctor
- Medical reports, investigations reports, laboratory reports and hospital discharge summary
- Passport/Travel documents showing departure dates from Singapore and entrance dates to other country outside of Singapore for the last 24 months (to be provided if illness is diagnosed or treated overseas)
- NRIC or relevant identification documents (e.g. FIN card, passports) of claimant
- Attending Medical Practitioner's Statement (AMPS), to be completed by the claimant and the attending doctor. AMPS forms for specific conditions should be used where applicable
- Medical reports, investigations reports, laboratory reports and hospital discharge summary
- Passport/Travel documents showing departure dates from Singapore and entrance dates to other country outside of Singapore for the last 24 months (to be provided if illness is diagnosed or treated overseas)
- NRIC or relevant identification documents (e.g. FIN card, passports) of claimant
- Proof of relationship if insured is different from policyholder (e.g. Birth certificate, Marriage certificate)
- Marriage certificate and screenshot from SingPass (My Profile > Family) showing current marital information of spouse if claim on Affinity schemes policy
Dependant Booster Benefit claim form (for Terminal Illness claim under Family Protect policy)
Attending Medical Practitioner’s Statement – Benign Brain Tumour
Attending Medical Practitioner’s Statement – Heart Attack/Coronary Artery Bypass Surgery/Angioplasty and Other Invasive Treatment for Coronary Artery
Attending Medical Practitioner’s Statement – Kidney Failure
Attending Medical Practitioner's Statement - Parkinson's Disease
Attending Medical Practitioner's Statement - Surgery to Aorta / Large Asymptomatic Aortic Aneurysm
Attending Medical Practitioner's Statement - Alzheimer’s Disease or Severe Dementia
Attending Medical Practitioner's Statement – Cancer/Major Cancers
Attending Medical Practitioner's Statement - Heart Valve Surgery / Percutaneous Valve Surgery
Attending Medical Practitioner's Statement - Multiple Sclerosis
Attending Medical Practitioner's Statement – Stroke / Brain Aneurysm Surgery / Cerebral Shunt Insertion / Carotid Artery Surgery
Attending Medical Practitioner's Statement
Send us your documents and claim form
Submit your claims online
Online submission with complete supporting documents ensures a faster processing time for your claim.
Email submission
If you are unable to submit the claim online, please email us as follows:
a. Claims on Affinity schemes policy: [email protected]
b. Claims on Individual life policy, DPS/ElderShield Supplement/CareShield Life Supplement policy : [email protected]
Important notes
- Please ensure that all requirements for claim submission stated in our website are completed before submission to avoid unnecessary delay.
- For all overseas claims, you are required to submit/follow up with the original notarised documents.
If you are a caregiver submitting a dread disease claim on behalf of the policyholder (insured)
A. Find out if the policyholder is mentally incapacitated[1]
If you are unsure, the policyholder (insured) should go for a formal assessment by a registered medical practitioner and specialist in mental health. The assessor should not be related to the policyholder (insured).
| If the policyholder is mentally incapacitated | If the policyholder is NOT mentally incapacitated |
|---|---|
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B. To process the claim, you will need to
1. Download and fill in the Living Claim form and prepare the supporting documents listed in the checklist
2. Download the Attending Medical Practitioner's Statement (AMPS) form that is applicable to your condition. The attending doctor[2] of the policyholder must complete the form with reference to the diagnosed conditions
3. Submit the following:
- Completed Living Claim form with the required supporting documents
- Completed AMPS
- All medical reports on the diagnosed condition
- Copy of LPA with the doctor/medical assessment certifying that the policyholder is mentally incapacitated, or Court Appointed Deputy document (where applicable)
- Copy of authorisation given by the policyholder to handle all insurance and claim matters on their behalf (where applicable)
- Identification documents
4. Claims can be submitted online (if the policyholder is not mentally incapacitated) or via email to us.
Important notes
[1] As defined under Section 4 of the Mental Capacity Act, a person lacks capacity in relation to a matter if at the material time he is unable to make a decision for himself in relation to the matter because of an impairment of, or a disturbance in the functioning of, the mind or brain. Please refer to the Mental Capacity act for full details. Formal assessment will be required. Registered medical practitioners and specialists in mental health can conduct formal assessments.
[2] The insured’s regular attending doctor who is treating the insured on the diagnosed conditions.
© 2022 Income. All rights reserved.
Information is correct as at 12 Jan 2026
Your queries answered.
You are encouraged to obtain the completed AMPS from your doctor(s) because it will speed up the process. The cost of the report should range from $100 to $300 (subject to prevailing GST and hospital fee charges. You may clarify with the hospital directly on the fee charges); the cost of this report is to be borne by you.
Where AMPS form specific to your condition is available in our website, you should use that specific AMPS for your doctor’s completion.
If you are unable to obtain the completed AMPS due to special reasons (e.g. suffering from a stroke and no available next of kin to assist with the AMPS application), we would be happy to do so on your behalf, upon your request and the cost of the report will be borne by you. However, please be informed that hospitals may take up to ten weeks to respond to our request.
It depends on your policy and the condition you are claiming for. (Note: Waiting period refers to a period starting from the date of policy issue, inclusion or increase of any benefit, or policy reinstatement, whichever is most recent.)
For a typical dread disease policy that covers the 30 specified dread diseases:
- There is a 90-day waiting period for these four dread diseases: Major Cancers, Heart Attack, Coronary Artery By-pass Surgery, and Angioplasty & Other Invasive Treatment for Coronary Artery.
- For other dread diseases, there is no waiting period.
For a dread disease policy that covers early, intermediate and advanced stages of dread diseases:
- There is a 90-day waiting period for all early stage dread diseases, intermediate stage dread diseases, and special or juvenile dread diseases.
- In addition, a 90-day waiting period will also apply to these specific advanced stage dread diseases: Major Cancers, Heart Attack, Other Serious Coronary Artery Disease, and Coronary Artery By-pass Surgery.
- For other dread diseases, there is no waiting period.
No. We will process the claim under all policies and riders with the dread disease benefit. Once we pay out 100% of the benefit under a basic policy, any riders attached to the main policy will be terminated.
As long as you have fully disclosed your insurance cover with other companies upon applying the insurance plan with us, we will pay the full claim amount.
All riders (with the exception of Extended Permanent Total Disability rider) will cease as the main contract has come to an end.
For Extended Permanent Total Disability rider, it will be terminated unless the insured has been certified to be totally and permanently disabled (TPD) as well. In this case, we will commence the payouts under the Extended Permanent Total Disability rider at the end of the fifth year, provided that the insured is still TPD by then. If not, the Extended Permanent Total Disability rider will be terminated.
Yes, provided this is a participating policy<sup>1</sup> and the policy has been in force for at least two years (when bonus has vested) at the time the claim was admitted.
1. Participating policy refers to the policy that is managed in the Participating Fund (“the Fund”). The policy shares in the profits or losses of the Fund, through bonuses added to your policy. For more information, please refer to this guide: Understanding Your Participating Policy.
Please refer to the FAQs for more information.
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